I was really having trouble tracking expenses leading up to FI. Seemed almost like some money went missing sometimes. Finally I made sure every single penny came out of one single account. The account is funded a regular amount periodically. Looking at it graphically also helps me see trends. Goal is a percentage of our fixed income. We only made our goal because travel plans fell through. I guess I could dive deeper into categories but for now this seems OK and I actually look forward to see how we did on the last day of each month !